The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$21,722
−HK$1,362/mo
▼ 0.25% · 3.875%
HK$22,398
−HK$686/mo
Today · 4.125%
HK$23,084
baseline
▲ 0.50% · 4.625%
HK$24,489
+HK$1,405/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$46,168/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$24,166
−HK$1,305/mo
▼ 0.25% · 3.875%
HK$24,814
−HK$657/mo
Today · 4.125%
HK$25,471
baseline
▲ 0.50% · 4.625%
HK$26,814
+HK$1,343/mo
Deposit HK$4.76M · loan HK$4.76M · min. income ≈ HK$50,942/mo (50% DSR)
Upfront cash ≈ HK$5.09M (deposit + AVD stamp duty HK$322,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$26,067
−HK$1,634/mo
▼ 0.25% · 3.875%
HK$26,878
−HK$823/mo
Today · 4.125%
HK$27,701
baseline
▲ 0.50% · 4.625%
HK$29,387
+HK$1,686/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$55,402/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$28,999
−HK$1,567/mo
▼ 0.25% · 3.875%
HK$29,777
−HK$789/mo
Today · 4.125%
HK$30,566
baseline
▲ 0.50% · 4.625%
HK$32,177
+HK$1,611/mo
Deposit HK$3.81M · loan HK$5.72M · min. income ≈ HK$61,132/mo (50% DSR)
Upfront cash ≈ HK$4.13M (deposit + AVD stamp duty HK$322,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$30,411
−HK$1,907/mo
▼ 0.25% · 3.875%
HK$31,357
−HK$961/mo
Today · 4.125%
HK$32,318
baseline
▲ 0.50% · 4.625%
HK$34,285
+HK$1,967/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$64,636/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$33,832
−HK$1,828/mo
▼ 0.25% · 3.875%
HK$34,739
−HK$921/mo
Today · 4.125%
HK$35,660
baseline
▲ 0.50% · 4.625%
HK$37,540
+HK$1,880/mo
Deposit HK$2.86M · loan HK$6.67M · min. income ≈ HK$71,320/mo (50% DSR)
Upfront cash ≈ HK$3.18M (deposit + AVD stamp duty HK$322,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$39,100
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$40,316
−HK$1,236/mo
Today · 4.125%
HK$41,552
baseline
▲ 0.50% · 4.625%
HK$44,080
+HK$2,528/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$83,104/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,624 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$43,498
−HK$2,351/mo
▼ 0.25% · 3.875%
HK$44,665
−HK$1,184/mo
Today · 4.125%
HK$45,849
baseline
▲ 0.50% · 4.625%
HK$48,265
+HK$2,416/mo
Deposit HK$953K · loan HK$8.57M · min. income ≈ HK$91,698/mo (50% DSR)
Upfront cash ≈ HK$1.28M (deposit + AVD stamp duty HK$322,624 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).